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Frequently Asked Questions
Can the credit score in My Credit Score differ from other credit monitoring apps or loan applications?
My Credit Score is a credit monitoring tool we provide to you at no cost to learn more about how your financial decisions impact your credit score. You can expect your score to be different because we consider additional credit factors in your loan application that are not available in this tool that may result in a different score.
My Credit Score uses the Vantage Score 3.0 scoring model and pulls your credit profile from Trans Union. There are additional credit factors we consider when reviewing your loan application by using a FICO scoring model. The use of different scoring models is why you see a difference in your scores.
No scoring models are identical, but are directionally the same. If your score goes up based on your credit activity in My Credit Score, you might see an increase in the scores we pull for loan applications as well.
My Credit Score uses the Vantage Score 3.0 scoring model and pulls your credit profile from Trans Union. There are additional credit factors we consider when reviewing your loan application by using a FICO scoring model. The use of different scoring models is why you see a difference in your scores.
No scoring models are identical, but are directionally the same. If your score goes up based on your credit activity in My Credit Score, you might see an increase in the scores we pull for loan applications as well.
FAQs
Yes! If you happen to see an error on your credit report, you can file a dispute directly with TransUnion at the bottom of the Credit Report page by clicking on “Start a Dispute”. You will need to create an account or login to TransUnion’s website and then submit your dispute. TransUnion will begin their research and if they find that the error is valid, they will update your credit profile and pass the error information on to Equifax and Experian. You may need to follow up with the other two bureaus to ensure your errors have been corrected.
Yes! On the Credit Report page, click “Download Report” in the top right corner. A PDF version of your full report will generate.
Yes. On the Resources tab, select “Profile Settings”, scroll to the very bottom and select “Deactivate Credit Score Account.” Once unenrolled, you can choose to reenroll at any time through the Mobile App or within Online Banking.
YES! We encourage you to enroll so that you may closely monitor your credit profile and report any errors in a timely manner. Remember that if you see an offer you’d like to apply for, you will need to remove the block or freeze prior to submitting your loan application so our lending team can review your request.
My Credit Score is a credit monitoring tool we provide to you at no cost to learn more about how your financial decisions impact your credit score. You can expect your score to be different because we consider additional credit factors in your loan application that are not available in this tool that may result in a different score.
My Credit Score uses the Vantage Score 3.0 scoring model and pulls your credit profile from Trans Union. There are additional credit factors we consider when reviewing your loan application by using a FICO scoring model. The use of different scoring models is why you see a difference in your scores.
No scoring models are identical, but are directionally the same. If your score goes up based on your credit activity in My Credit Score, you might see an increase in the scores we pull for loan applications as well.
My Credit Score uses the Vantage Score 3.0 scoring model and pulls your credit profile from Trans Union. There are additional credit factors we consider when reviewing your loan application by using a FICO scoring model. The use of different scoring models is why you see a difference in your scores.
No scoring models are identical, but are directionally the same. If your score goes up based on your credit activity in My Credit Score, you might see an increase in the scores we pull for loan applications as well.
Yes! If you happen to see an error on your credit report, you can file a dispute directly with TransUnion at the bottom of the Credit Report page by clicking on “Start a Dispute”. You will need to create an account or login to TransUnion’s website and then submit your dispute. TransUnion will begin their research and if they find that the error is valid, they will update your credit profile and pass the error information on to Equifax and Experian. You may need to follow up with the other two bureaus to ensure your errors have been corrected.
Yes! On the Credit Report page, click “Download Report” in the top right corner. A PDF version of your full report will generate.
Yes. On the Resources tab, select “Profile Settings”, scroll to the very bottom and select “Deactivate Credit Score Account.” Once unenrolled, you can choose to reenroll at any time through the Mobile App or within Online Banking.
YES! We encourage you to enroll so that you may closely monitor your credit profile and report any errors in a timely manner. Remember that if you see an offer you’d like to apply for, you will need to remove the block or freeze prior to submitting your loan application so our lending team can review your request.
My Credit Score is a credit monitoring tool we provide to you at no cost to learn more about how your financial decisions impact your credit score. You can expect your score to be different because we consider additional credit factors in your loan application that are not available in this tool that may result in a different score.
My Credit Score uses the Vantage Score 3.0 scoring model and pulls your credit profile from Trans Union. There are additional credit factors we consider when reviewing your loan application by using a FICO scoring model. The use of different scoring models is why you see a difference in your scores.
No scoring models are identical, but are directionally the same. If your score goes up based on your credit activity in My Credit Score, you might see an increase in the scores we pull for loan applications as well.
My Credit Score uses the Vantage Score 3.0 scoring model and pulls your credit profile from Trans Union. There are additional credit factors we consider when reviewing your loan application by using a FICO scoring model. The use of different scoring models is why you see a difference in your scores.
No scoring models are identical, but are directionally the same. If your score goes up based on your credit activity in My Credit Score, you might see an increase in the scores we pull for loan applications as well.
You can enroll for free through North Shore Bank’s Mobile App or within Online Banking.
Mobile Banking – Under the Quick Links menu, choose the My Credit Score link, agree to the Terms & Conditions and submit their permission to enroll.
NOTE: When you enroll in the Mobile App for the first time, you will be prompted to provide your full social security number to authenticate your credit profile. You will only be asked for this information during enrollment and will not be prompted again when accessing the My Credit Score dashboard in the future.
Online Banking - You will see a widget next to your accounts dashboard. Simply click the widget, agree to the Terms & Conditions and submit your permission to enroll.
Mobile Banking – Under the Quick Links menu, choose the My Credit Score link, agree to the Terms & Conditions and submit their permission to enroll.
NOTE: When you enroll in the Mobile App for the first time, you will be prompted to provide your full social security number to authenticate your credit profile. You will only be asked for this information during enrollment and will not be prompted again when accessing the My Credit Score dashboard in the future.
Online Banking - You will see a widget next to your accounts dashboard. Simply click the widget, agree to the Terms & Conditions and submit your permission to enroll.
If you do not log in to the Mobile App or Online Banking for 120 days, your My Credit Score will go inactive, and you will be unenrolled. To reenroll, please follow the normal enrollment procedures to regain access to your profile information.
No. It doesn’t affect your credit profile or score in any way! My Credit Score performs a soft inquiry when you enroll or refresh your credit profile instead of a hard inquiry like when you apply for a loan.
Yes! You can receive credit alerts, monthly notices, and general messages from My Credit Score.
You can also manage your email notifications by navigating to the Resources Tab, selecting “Profile Settings” and change your preferences under Email Notifications.
You can also manage your email notifications by navigating to the Resources Tab, selecting “Profile Settings” and change your preferences under Email Notifications.